DCLT Permanently Affordable Homeownership Program (Community Land Trust)

DCLT Permanently Affordable Homeownership Program (Community Land Trust)是面向Durham，North Carolina购房者的增值共享贷款，由Durham Community Land Trustees, Inc.管理。 Durham Community Land Trustees provides permanently affordable homeownership through the community land trust shared-equity model. DCLT retains ownership of the land (leased to the homeowner for 99 years, renewable, at a low monthly fee) while the buyer owns the home. A resale formula limits the seller's share of appreciation (25-45%) so homes stay affordable. Buyers must earn at or below 80% AMI for Durham County, occupy as primary residence, qualify for a partner-lender mortgage, and complete land trust orientation plus HUD-certified homebuyer education. Below-market purchase prices on permanently affordable homes. low monthly land-lease fee. build limited equity (25-45% of appreciation). ongoing DCLT stewardship. 资金来自Partners include City of Durham, Durham County, NC Dept of Housing, Wells Fargo, PNC Bank, Coastal Credit Union Foundation, Burt's Bees Foundation, The Conservation Fund, NALCAB。

DCLT Permanently Affordable Homeownership Program (Community Land Trust)是增值共享贷款，按Durham Community Land Trustees, Inc.设定的条款偿还。 触发还款的情形：Resale of the home; DCLT retains a repurchase option. Homeowner receives original price plus 25-45% of appraised appreciation. 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

DCLT Permanently Affordable Homeownership Program (Community Land Trust)面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Not stated; buyer must qualify for a mortgage through a partner lender. 须参加购房者教育课程，由DCLT land trust orientation plus HUD-certified homebuyer education (locally led by DHIC)提供。 Shared-equity CLT, not cash DPA. Assistance amount/percentage, interest rate, lien position, credit, DTI, min contribution not published (left blank). Exact shared-equity percentage per sale (within 25-45%) not specified online. No standalone guidelines PDF on site; income limits and resale formula are on-page content.

DCLT Permanently Affordable Homeownership Program (Community Land Trust)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Total household income at or below 80% AMI for Durham County. 2026 80% AMI limits: 1=$71,200; 2=$81,400; 3=$91,550; 4=$101,700; 5=$109,850; 6=$118,000. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

DCLT Permanently Affordable Homeownership Program (Community Land Trust)的房价上限如下：Set per home; current listings $248,000-$280,000 (resale-restricted). No published program-wide max. 符合条件的房屋类型包括Single Family和Townhouse。 新建房屋符合条件。

DCLT Permanently Affordable Homeownership Program (Community Land Trust)服务于在Durham，North Carolina购房的购房者。 该项目针对特定区域：DCLT properties concentrated in Durham neighborhoods: West End, Southside & Hayti, East Durham, Central Durham, Lakewood Park, plus Everton, Carpenter Falls, ECO Grace.

DCLT Permanently Affordable Homeownership Program (Community Land Trust)的申请通过Durham Community Land Trustees, Inc.办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Attend a free homebuyer info session, complete land trust orientation and HUD-certified homebuyer education, then apply; waitlist available.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。